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Gustan Cho Associates
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      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
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Call or Text: (800) 900-8569

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Home / Student Loans
Preparing to Qualify for Conventional Loans
Home Mortgages | Conventional Loans | Student Loans | Videos

Preparing To Qualify For Conventional Loans

ByGustan Cho Posted onMarch 4, 2025March 5, 2025

Preparing to Qualify for Conventional Loans: Your Step-by-Step Guide to Homeownership Are you ready to buy a home but unsure…

Continue Reading Preparing To Qualify For Conventional LoansContinue

How Student Loans Affect Qualifying For Mortgage
Student Loans | Videos

How Student Loans Affect Qualifying For Mortgage

ByGustan Cho Posted onFebruary 10, 2025April 7, 2025

This article is about how student loans affect qualifying for mortgage. Two types of debts are the biggest hurdles most…

Continue Reading How Student Loans Affect Qualifying For MortgageContinue

Technology For Students
Student Loans

Technology For Students at College Campuses

ByJohn Strange Posted onFebruary 9, 2025February 11, 2025

Technology for Students at College Campuses in 2025 The Changing Scope of Technology for Students Technology has revolutionized education by…

Continue Reading Technology For Students at College CampusesContinue

Liabilities in Mortgage Qualification
Mortgage Processing And Underwriting | High Debt To Income Ratio | Manual Underwriting | Student Loans | video

How Do Underwriters View Liabilities In Mortgage Qualification

ByGustan Cho Posted onDecember 19, 2024December 26, 2024

How Underwriters View Liabilities in Mortgage Qualification (Updated for 2024) When applying for a mortgage, understanding how underwriters evaluate liabilities…

Continue Reading How Do Underwriters View Liabilities In Mortgage QualificationContinue

Student Loans Mortgage Guidelines
Student Loans | Videos

Student Loans Mortgage Guidelines on Home Loans

ByGustan Cho Posted onDecember 5, 2024February 12, 2025

Student Loans Mortgage Guidelines: Qualify for a Mortgage Even with Student Debt Are you worried your student loans might stop…

Continue Reading Student Loans Mortgage Guidelines on Home LoansContinue

Freddie Mac Mortgage Guidelines
Conventional Loans | Student Loans | Videos

Freddie Mac Mortgage Guidelines on Conventional Loans

ByGustan Cho Posted onNovember 13, 2024May 15, 2025

Guide to Freddie Mac Mortgage Guidelines for 2024: Your Path to Homeownership or Refinancing Are you ready to own a…

Continue Reading Freddie Mac Mortgage Guidelines on Conventional LoansContinue

FHA Guidelines on Student Loans
Student Loans | FHA Loans | High Debt To Income Ratio | Videos

FHA Guidelines on Student Loans: How to Qualify

ByAnngelli Abenes Posted onAugust 26, 2024February 12, 2025

FHA Guidelines on Student Loans: Your Path to Homeownership Student loans are a significant part of life for many Americans,…

Continue Reading FHA Guidelines on Student Loans: How to QualifyContinue

FHA Guidelines on DTI and Student Loans
Student Loans | Conventional Loans | FHA Loans | Videos

Impact of FHA Guidelines on DTI and Student Loans Explained

ByAnngelli Abenes Posted onAugust 6, 2024May 23, 2025

Struggling with student loan debt can often feel like attempting to run a marathon with a heavy backpack, particularly when…

Continue Reading Impact of FHA Guidelines on DTI and Student Loans ExplainedContinue

Mortgage Guidelines After High School
Income And Employment | FHA Loans | Student Loans | USDA Loans | VA Loans | Videos

Mortgage Guidelines After High School Without Experience

ByAnngelli Abenes Posted onJuly 17, 2024January 31, 2025

Buying a home represents a significant achievement in one’s life that many high school graduates might view as somewhat of…

Continue Reading Mortgage Guidelines After High School Without ExperienceContinue

How Student And Car Loans Affect DTI
High Debt To Income Ratio | Student Loans | video

How Student And Car Loans Affect DTI For Mortgages

ByAnngelli Abenes Posted onMay 23, 2024August 28, 2024

This article will explore how student and car loans affect DTI (Debt-to-Income) mortgage ratios. Auto loans are typically the second-largest…

Continue Reading How Student And Car Loans Affect DTI For MortgagesContinue

Changes In FHA Guidelines
FHA Loans | First Time Home Buyers | Student Loans | video

Changes In FHA Guidelines For First Time Home Buyers

ByAnngelli Abenes Posted onApril 26, 2024December 17, 2024

This article discusses the changes in FHA guidelines that are particularly relevant to first-time home buyers. The Federal Housing Administration…

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Income-Based Repayment
Student Loans | High Debt To Income Ratio | Videos

Income-Based Repayment Student Loan Mortgage Guidelines

ByGustan Cho Posted onFebruary 22, 2024January 31, 2025

 This guide aims to understand Income-Based Repayment Student Loan Mortgage Guidelines clearly. The daunting task of outstanding student loans presents…

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HUD Guidelines
Mortgage Lender Overlays | FHA Loans | Student Loans | Videos

HUD Guidelines versus Lender Overlays on FHA Loans

ByGustan Cho Posted onFebruary 20, 2024March 3, 2025

This guide covers HUD guidelines versus lender overlays on FHA loans. There have been notable changes for HUD guidelines versus…

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FHA Mortgage Guidelines
FHA Loans | Student Loans | Videos

FHA Mortgage Guidelines: Guide To FHA Loan Approval

ByGustan Cho Posted onFebruary 8, 2024April 7, 2025

FHA mortgage loans stand out as the leading choice among borrowers in the United States. The Federal Housing Administration (FHA)…

Continue Reading FHA Mortgage Guidelines: Guide To FHA Loan ApprovalContinue

Mortgage For College Graduates
NON-QM Loans | Student Loans

Mortgage For College Graduates Lending Guidelines

ByGustan Cho Posted onFebruary 6, 2024August 5, 2024

This article delves into Mortgage For College Graduates Lending Guidelines, shedding light on established norms and recent changes that may…

Continue Reading Mortgage For College Graduates Lending GuidelinesContinue

VA Guidelines On Deferred Student Loans
Student Loans | VA Loans

VA Guidelines On Deferred Student Loans On VA Home Loans

ByGustan Cho Posted onFebruary 2, 2024March 28, 2024

This article explores the VA Guidelines on Deferred Student Loans and their influence on the debt-to-income ratio in the context…

Continue Reading VA Guidelines On Deferred Student Loans On VA Home LoansContinue

Mortgage Guidelines on Defaulted Student Loans
Student Loans | Income And Employment | Videos

Mortgage Guidelines on Defaulted Student Loans

ByDale Elenteny Posted onFebruary 2, 2024April 9, 2025

Borrowers cannot qualify for a mortgage with defaulted federal student loans until the student loans are out of default.

Continue Reading Mortgage Guidelines on Defaulted Student LoansContinue

Getting a Mortgage With Student Loans
Student Loans | Videos

Getting a Mortgage With Student Loans

ByGustan Cho Posted onJanuary 6, 2024July 26, 2024

This guide covers getting a mortgage with student loans with high debt-to-income ratio. Getting a mortgage with student loans can…

Continue Reading Getting a Mortgage With Student LoansContinue

Student Loan Forgiveness
Student Loans | Videos

How To Qualify For a Mortgage With Student Loan Forgiveness

ByGustan Cho Posted onJuly 31, 2023November 4, 2024

This guide covers student loan forgiveness programs and how to qualify for a mortgage. The weight of student loan debt…

Continue Reading How To Qualify For a Mortgage With Student Loan ForgivenessContinue

Taking Out That Next Student Loan
Student Loans | High Debt To Income Ratio | Home Mortgages | Videos

How Taking Out That Next Student Loan Can Affect Mortgage

ByAlex Carlucci Posted onJuly 15, 2023October 8, 2024

This guide covers the risk of taking out that next student loan when getting a mortgage loan approved. If you…

Continue Reading How Taking Out That Next Student Loan Can Affect MortgageContinue

Mortgage With High Student Loan Debts
Student Loans | High Debt To Income Ratio | Mortgage Processing And Underwriting | Videos

Qualifying For Mortgage With High Student Loan Debts

ByGustan Cho Posted onJune 30, 2023November 4, 2024

This guide covers qualifying for mortgage with high student loan debts. Every loan program has different guidelines on mortgage with…

Continue Reading Qualifying For Mortgage With High Student Loan DebtsContinue

FHA Versus Conforming Loans Mortgage Lending Guidelines
FHA Loans | Conventional Loans | Student Loans | Videos

FHA Versus Conforming Loans Mortgage Lending Guidelines

ByGustan Cho Posted onApril 6, 2023July 24, 2024

This guide will cover the difference between FHA versus conforming loans. We will discuss FHA versus conforming loans mortgage lending…

Continue Reading FHA Versus Conforming Loans Mortgage Lending GuidelinesContinue

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About Us

Gustan Cho Associates are Mortgage Advisor licensed in 48 states including Washington DC, Puerto Rico, and the U.S Virgin Islands (Not licensed in NY and MA). The team at Gustan Cho Associates has a national reputation of being able to do mortgage loans other mortgage companies cannot do. Gustan Cho Associates dba of NEXA Mortgage has a lending partnerships with over 190 wholesale mortgage lenders with dozens of no overlay lending partners on government and conventional loans and countless non-QM and alternative lending partners. Over 80% of our clients are borrowers who could not qualify at other mortgage companies either due to a last-minute mortgage loan denial due to lender overlays or because the lender did not have the mortgage loan program suited for the borrower. At Gustan Cho Associates, we only market mortgage loan products that exists and are possible.

Recent Articles

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 5559 S Sossaman Rd | Bldg 1 #101, Mesa, AZ 85212 Company NMLS 1660690, Gustan Cho NMLS #873293 Company State License #: AZMB - 0944059, Branch: 17W662 Butterfield Road Suite 305 Oakbrook Terrace, Illinois 60181 Branch NMLS 2315275 AXEN is a dba of NEXA Mortgage LLC
DISCLAIMER: The author(s) contributing content to this site, accept no liability or responsibility for errors, omissions or changes in market conditions that may impact the readers' conclusions drawn or assumptions related to the content of this site. The copywritten© information contained on this site is provided on an "as is" basis, at the time of publication, without guarantees of timeliness, thoroughness, accuracy, or usefulness to the consumer. The content on this site does not constitute financial or professional advice of any kind, and readers are encouraged to consult their own professional advisors for professional advice.
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CALL NOW
  • About Us
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan Limits
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of Mortgages
    • Purchase
      • Home Purchase Loans
      • Investment Property Loan
    • Refinance
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home Loans
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home Loans
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • No SSN? ITIN Mortgage Loans Can Help You Own a Home
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • Careers
    • Can Realtors Be MLOs At The Same Time
    • Career Opportunities
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • Blogs
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer
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